Consumer Loans

For years, the Credit Union has offered the most comprehensive
consumer lending department anywhere! It is the mission of the Credit
Union to offer the lowest interest rates possible. Whatever your
financing need is, the Credit Union also offers the most competitive
terms, and convenient, fast, and friendly service anywhere.

Applying is easy! You can apply online, request a faxed loan
application, request an E-mail loan application, stop into one of the
Credit Union offices or service centers, or simply call one of our loan
specialists. In most cases, the Credit Union can approve and close your
loan the very same day you apply.

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Home Equity Loans

The Credit union is sure to have just the right home equity loan or
line of credit for you. We offer extremely low interest rates, flexible
terms and no closing costs! All loans feature a 5-year open line of
credit that allows you to make advances as needed. During this draw
period, only interest is due. All loans offer up to a 10-year principal
and interest repayment period.

Variable/100%
This program allows you to borrow up to
100% of the value of your home. The interest rate is prime + .50%. The
interest rate is variable and fluctuates for the duration of the
repayment.

Variable/under 85%
This program allows you to borrow up
to 85% of the value of your home. The interest rate is prime - 1.5%.
The interest rate is variable and fluctuates for the duration of the
repayment.

Fixed/under 85%
This program allows you to borrow up to
85% of the value of your home. The interest rate is variable during the
5-year open line of credit (or sooner should you wish to close the line
of credit) and then becomes a fixed rate loan equal to prime - 1.0%.

Home Equity Loans have a ceiling interest rate of 18.00% (the highest the rate will ever be).

Mortgage Loans

The Credit Union’s real estate lending department can assist you
with all types of real estate loans. The Credit Union has just the
right options for your needs including 1st mortgages, home equity
loans, unimproved property loans, and 1st time home buyer loans.

Utah Power Credit Union has maintained a philosophy of providing the
most comprehensive services to its members while maintaining the most
competitive rates, terms and fees as possible. The Credit Union will
not mark up interest rates or charge excessive fees like other real
estate lenders. The Credit Union's real estate programs are the most
competitive in the industry. The Credit Union can process your home
purchase or refinance with up to a 30-year term.

In addition to processing traditional mortgage loans, the Credit
Union also offers a 1st time home buyer loan, which allows first time
home buyers to finance the purchase of their new home
without mortgage insurance. Expect the highest quality of service, low
interest rates, and low fees on all Credit Union mortgage loans,
including 1st time home buyer loans!

VISA Credit Cards

VISA is the most universally accepted credit card in the world. Even
if you don't maintain a monthly balance on a credit card, it is nearly
impossible to live in our world today without one. The Credit Union
developed its credit card program with you in mind. Whether you choose
the VISA Classic Credit Card, or the exclusive VISA Platinum, you will
find the Credit Union's rates, fees and credit lines to be the most
competitive anywhere.

VISA Classic

With the VISA Classic credit card, you may have a credit line as little as $100.00 and as much as $5000.00. The interest rate is 11.90%. There is no annual fee or any other type of service fee associated with this card.

VISA Platinum

The VISA Platinum card was designed for those who have attained a high level of credit worthiness and should be distinguished as such. Credit lines on VISA Platinum cards start at $5000.00, and offer an incredibly low interest rate of 9.9%.

All VISA Cardholders are eligible to participate in the Extra Awards program. Earn points every time you use your VISA Card. Points can be redeemed for travel rebates, airline tickets, hotel rooms, merchandise and much, much more! Click on any Extra Awards link to learn more.